Mommy Makeover Financing: Financing Options for Your Mommy Makeover Surgery in Florida

The joy of bringing a new life into this world is incomparable, but every mother knows it comes with its fair share of challenges. Pregnancy, childbirth, and breastfeeding can leave a significant impact on a woman's body, often leaving her longing for her pre-baby body. That is where a mommy makeover comes in. It is a combination of various plastic surgery procedures, such as liposuction, breast augmentation, breast lift, and tummy tuck, designed to help women regain their pre-pregnancy body and boost their self-esteem.

However, the cost of a mommy makeover can be quite high, ranging from $9,000 to $20,000 or more, depending on the extent of the procedures and the doctor's fees. Although the cost may seem exorbitant, it's essential to remember that the investment in your self-confidence and well-being is priceless. So, how do you afford a mommy makeover procedure without breaking the bank? Let's explore various financing options for mommy makeover surgery to help you make an informed decision.

Financing Options for Mommy Makeover Surgery

In-house financing

Many plastic surgery clinics and hospitals offer in-house financing options for their patients. They usually partner with a lending company to provide flexible payment plans and low monthly payments. Some clinics might even offer interest-free financing for a specified promotional period. However, interest rates, terms, and conditions vary from clinic to clinic, so it's crucial to inquire about their specific financing options before committing to surgery.


  • Convenient and accessible financing option
  • Possible low or no interest during promotional periods


  • Interest rates may be higher than other financing options after the promotional period
  • Limited to the clinic you choose for your procedure

Personal loan

A personal loan could be a viable option to finance your mommy makeover procedure if you have a good credit score. With a personal loan, you receive a lump sum, which can cover the surgery, as well as related expenses. You will need to pay back the loan with interest in fixed monthly payments. However, unsecured personal loans typically have higher interest rates than secured loans.


  • Fixed monthly payments
  • Can be used for multiple procedures and related expenses


  • Higher interest rates compared to secured loans
  • Requires a good credit score for approval

Credit card

You can use your regular credit card, especially major credit cards, to finance your mommy makeover. This option allows you to access the cash from your credit limit and use it to pay for the surgery. However, credit cards usually have high-interest rates, meaning you will end up paying more in the long run if you don't pay off the balance before the interest kicks in.


  • Immediate access to cash
  • Widely accepted method of payment


  • High-interest rates
  • Can negatively affect your credit score if not managed properly

Medical credit card

A medical credit card is specifically designed for medical expenses. These cards usually have lower interest rates and more flexible repayment options compared to regular credit cards. However, read the terms and conditions carefully to know what you're getting into before applying for one.


  • Designed for medical expenses
  • Lower interest rates and more flexible repayment options than regular credit cards


  • May have hidden fees and penalties
  • Not all medical providers accept medical credit cards

Taking out a loan from your retirement savings

If you have a 401(k) or IRA account, you can consider taking out a loan from your retirement savings. You may borrow up to half the account balance or $50,000, whichever is less. The advantage of this option is that you're borrowing from yourself, and as long as you pay it back on time, you won't pay taxes on the loan. Additionally, no credit check is required, and the interest rate is usually low since it's your retirement savings.


  • No credit check required
  • Low-interest rates


  • Requires spouse's approval if you're married
  • Must repay within 60 days if you leave your job, or face penalties

Getting a loan from family or friends

Borrowing money from family and friends can be another option to finance your mommy makeover. The advantage of this option is that you may not have to pay interest on the loan. However, it can strain relationships if you cannot repay the loan as agreed. Therefore, ensure that you can pay back the money and have a solid plan in place before choosing this route.


  • May not require interest payments
  • Flexible repayment options


  • Can strain relationships if not repaid as promised
  • No legal protection for either party

Third-party financing

Several companies offer healthcare financing, which includes cosmetic surgery procedures. These companies usually have competitive interest rates and varying loan terms. It's important to compare their rates and terms before choosing one to finance your mommy makeover surgery.


  • Tailored specifically for healthcare procedures
  • Competitive interest rates and loan terms


  • Requires a credit check
  • May have fees and penalties

In conclusion, financing a mommy makeover surgery in Florida is possible with the many options available. Each option has its pros and cons, and it's crucial to consider your individual circumstances and financial standing when making a choice. With the right financing plan, you can confidently move forward with your mommy makeover journey, knowing that you are investing in your self-esteem and overall well-being.

Top Third-Party Financing Companies for Cosmetic Surgery

Care Credit

Care Credit is a popular medical credit card that can be used to finance a mommy makeover. They offer promotional financing, allowing you to pay for the procedure over set promotional periods, usually ranging from 6 to 24 months. During the promotional period, you may enjoy a 0% interest rate or lower monthly payments based on the amount you've borrowed. Care Credit is widely accepted by medical providers and has flexible payment plans, making it a popular choice among patients.


  • Widely accepted by medical providers
  • Promotional financing with potentially low or no interest rates


  • Standard APR may be higher after the promotional period
  • Requires a credit check for approval

Alphaeon Credit

Alphaeon Credit is another medical credit card that helps patients finance their cosmetic surgery procedures. They offer various payment plans and a credit line of up to $25,000 based on your credit score, income, and the amount you wish to borrow. With Alphaeon, you can choose between budget pay plans and no-interest plans based on your specific financial situation. They often approve applications that other third-party financiers might not, making it an ideal option for those with lower credit scores.


  • Access to a credit line of up to $25,000
  • Multiple payment plans and promotional options


  • Requires a credit check for approval
  • Standard APR may be higher after promotional plans expire


PatientFi is a healthcare financing company that offers loans specifically for cosmetic procedures. They aim to provide simple and affordable financing options for patients, offering fixed and promotional payment plans tailored to your budget. PatientFi boasts competitive interest rates and fast approval processes, often providing you with instant loan decisions. They have a user-friendly online portal, making the application and payment processes hassle-free.


  • Tailored financing options for cosmetic procedures
  • Competitive interest rates and instant approval


  • Requires a credit check for approval
  • Limited to providers within their network

Prosper Healthcare Lending

This healthcare financing company specializes in loans for cosmetic surgery procedures. They provide loans of up to $35,000 with repayment terms up to 60 months. The APR ranges from 7.95% to 36.00%, depending on factors such as credit score, loan terms, and the borrowed amount.


LendingUSA offers loans for cosmetic surgery and other medical procedures. They can provide loans of up to $15,000, with interest rates starting from 14.99% and repayment terms of up to 60 months. They also offer no-interest financing if the loan is repaid in full within six months.

Lending Club

Lending Club offers loans up to $40,000 with a minimum credit score requirement of 600. The APR ranges from 8.30% to 36.00%, and they provide flexible repayment terms of up to 84 months. The online application process is quick and easy, and they do not require medical records.


LightStream offers loans for cosmetic surgeries with estimated APRs ranging from 5.73% to 19.99%. You can borrow up to $100,000 if you have a minimum credit score of 660. Repayment terms vary from 24 to 144 months, depending on the type of loan.

Discover Personal Loans

Discover Personal Loans allows you to borrow up to $35,000 with no origination fees. Repayment terms range from 36 to 84 months, with APRs between 6.99% and 24.99%. To qualify for this loan, you need to have a minimum credit score of 720.


Upstart enables borrowers to secure loans for up to $50,000 with an estimated APR of 5.42% to 35.99%, which can be repaid over 3 to 5 years. While they do not accept co-signers, they do not require a minimum credit score.


Upgrade offers financing options for cosmetic procedures, with loans up to $50,000. The company requires a minimum credit score of 560, and the estimated APR ranges from 7.46% to 35.97%. Repayment terms can extend from 24 to 84 months.


SoFi allows eligible borrowers with a credit score of at least 650 to secure loans up to $100,000 for cosmetic procedures. There are no origination fees, and the APR is based on your loan amount, starting at 7.99%, with repayment terms of up to 84 months.


Marcus offers loans for cosmetic surgery, ranging from $3,500 to $40,000, with APRs starting at 6.99%. They provide flexible payment options and repayment terms between 3 and 6 years. You will need a good credit score to qualify for their financing.

Universal Credit

Universal Credit is a suitable financing option for those with low credit scores. If your score is at least 560, you can borrow up to $50,000. Repayment can be made through monthly payments within 3, 5, or 7 years, with APRs ranging from 11.69% to 35.93%, depending on the loan amount.


Avant is an excellent option for financing your plastic surgery procedure if you have poor credit. You can borrow up to $35,000 with an APR of up to 9.95% to 35.99%, depending on your loan amount and chosen monthly payment term, which can be 2 or 5 years.

United Medical Credit

United Medical Credit offers loans for cosmetic surgery, with borrowing limits of up to $40,000. The APRs range from 2.99% to 35.99%, with terms from 12 to 60 months. You can apply online and receive a quick decision upon approval.

In conclusion, there are various third-party financing companies available to help you fund your mommy makeover surgery. Care Credit, Alphaeon Credit, and Patient Fi are just a few of the top options. It is essential to research each company and compare their offers to find the best fit for your individual financial circumstances. By choosing the right financing solution, you can focus on achieving your desired body transformation without the overwhelming burden of excessive upfront costs.

Tips for Choosing the Best Financing Option

When it comes to financing your mommy makeover surgery, there are numerous options to choose from. It's essential to select the best financing option suited to your individual financial circumstances to ensure a smooth surgical process and recovery. Here are some tips to help you make the right choice:

Compare offers from different companies

With various financing companies available, it can be difficult to know which option is best for you. Take the time to research and compare offers from different companies, examining factors such as interest rates, loan terms, and additional fees before making a decision.

Read the terms and conditions

Before signing any financing contract, ensure that you carefully read the terms and conditions. It's crucial to understand exactly what you are agreeing to, including any potential penalties or fees associated with your loan.

Check for hidden fees

Some financing options may come with hidden fees, such as origination fees or pre-payment penalties. Be sure to inquire about these potential additional costs to avoid any surprises down the road.

Consult with your surgeon about accepted financing options

Your plastic surgeon can be an invaluable resource when it comes to choosing a financing option. They may already have preferred partners or suggestions based on their experience with previous patients. Additionally, they can inform you about which financing options are accepted at their clinic, narrowing down your search and ensuring a seamless process.

Budget for post-operative care, medications, and potential touch-ups

When financing your mommy makeover surgery, it's essential to consider all aspects of the surgical process, not just the initial procedure costs. Factor in expenses for post-operative care, medications, and potential touch-ups to avoid unexpected financial stress during your recovery period.

Final Words on Financing a Mommy Makeover

Finding the right financing option for your mommy makeover surgery is a crucial step in ensuring a successful and stress-free surgical experience. By researching and comparing different offers, reading the terms and conditions, checking for hidden fees, consulting with your surgeon, and budgeting for all aspects of the procedure, you can make an informed decision that best suits your financial needs. By securing proper financing, you can focus on your journey to regaining your pre-pregnancy body and boosting your self-confidence, knowing that your investment in your well-being is well worth it.